Option to transfer from a small business group health insurance policy to a personal policy at renewal

At renewal, if your clients have only one main member covered on their Select small business health insurance policy, they can renew their group cover as normal. Alternatively, the main member and any dependants* can transfer to a Bupa personal policy. This will be possible for SME Select policies with contract renewal dates from 1 June 2024 onwards.

When transferring to a Bupa personal policy, the main member and any dependants * can continue to have uninterrupted cover so long as they meet some eligibility criteria which can be found in answer to question 2 in the FAQs.

If they qualify for uninterrupted cover, while their new Bupa personal health insurance may not be exactly the same as their group policy, they could still be covered for any ongoing or existing conditions they have, depending on their new policy’s terms and conditions.

If they don’t qualify for uninterrupted cover, their new Bupa personal policy won’t cover any existing or ongoing conditions that the main member or any dependants may have.

Please see answers to some questions you may have to help you understand your client’s options, how to transfer to a Bupa personal policy and the implications. An FAQ insert will also be included in the renewal quote packs of Select small business health insurance groups with one main member.

Click here to see FAQs (PDF, 0.1MB)

Next steps

If you have more questions please call our SME Intermediary Existing Business team on 0800 332 000 (option 3)** and they’ll be happy to help.

If your client wishes to transfer the main group member and any dependants* to a Bupa personal policy

To obtain a quote for your client please visit https://intermediaries.bupa.co.uk/

If your client prefers to contact us directly:

• please ask the main member to call our Direct Personal Sales team on 0161 8207 833** and ask for a quote to be transferred from their group policy to a Bupa personal one
• our personal healthcare consultants will provide a quote and explain the next steps to set-up the new policy

If the main member transfers to a personal policy, you’ll need to ask our SME Intermediary Existing Business team to close your client’s group policy. Please call them on 0800 332 000 (option 3)** and they’ll be happy to help.

* Subject to child dependants maximum age - see answer to question 6 in the FAQ insert

**We may record or monitor our calls. Lines open between 8am and 6pm, Monday to Friday